What the RBA’s Rate Rises Mean for Your Mortgage
When the Reserve Bank of Australia raises the cash rate, it can directly affect home loan interest rates and mortgage repayments.
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Loan Tools
Use our loan calculators and read up on all the latest news, tips & finance insights.
Loan CalculatorsLoan Insights
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Home loan calculators, budgeting tools and more.
- How much can you borrow?
- What will your repayments be?
- How much do I need to put aside to get my deposit?
- How do can I set up and retain a budget?
- How soon can I pay off my loan?
The answers to all of these questions lie in these easy to use calculators.
Read all the latest news, tips and insights in the Bribie Island Lending blog.
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Redcliffe Property Market Snapshot: A Solid Opportunity for Investors
Redcliffe is holding strong as a high-potential market in the Moreton Bay region, with tight supply and steady demand. Median prices sit at $900,000 for houses and $725,000 for units, both offering 3.5% rental yields. With annual growth of 10.8% for houses, investors are watching closely.
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Gold Coast Unit Prices Surpass Sydney: What It Means for Buyers
Gold Coast unit prices have officially surpassed Sydney's, with the median now sitting at $956,000. Driven by migration, rate cuts, and development pressure, southeast Queensland is booming. If you're considering buying a house on the Gold Coast, this could be your window of opportunity.
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What the Latest Rate Decision Means for Borrowers
The Reserve Bank of Australia held the cash rate steady at 3.60% in December 2025, but signs point to potential rate rises in early 2026. Whether you're in Moreton Bay, Brisbane or beyond, a local mortgage broker can help you stay ahead.
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ATO Debt? Here’s How We Helped One Couple Regain Control
We recently helped clients refinance a home loan with a sky-high interest rate (over 10%) and clear their ATO debt and personal loans all while keeping repayments steady. With equity and the right paperwork, we reduced their rate to under 7% and gave them a clean slate. If tax debt is weighing you down, let’s talk strategy.
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Some Things Are Worth Waiting For
After a challenging property search full of delays, setbacks, and a long probate process, a Moreton Bay area couple finally settled on their dream home. Thanks to early planning, lender coordination, and strategic negotiation, they secured the property and moved in months before settlement.
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First Home Buyers: 5% Deposits Coming in October 2025
From 1 October 2025, all first home buyers will be able to purchase with just a 5% deposit under the expanded First Home Buyer Guarantee. There will be no income limits, no caps on places, and higher property price caps.
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Is Property Investment Still Worth It in Today’s Market?
With interest rates rising and the media full of mixed messages, a lot of people are asking if property investment is still a smart move. The simple answer is yes. Property can still build wealth over time, but it has to be approached with the right strategy.
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Using Equity to Invest in Keperra Property
Mark recently helped a Keperra couple tap into the equity in their home to fund their first investment property and with a pre-approval in place, they’re now entering the market with confidence. If you're considering investing in Keperra, here’s why the suburb is quickly becoming a North Brisbane hotspot for smart investors.
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Understanding Your Borrowing Power as a Property Investor
Your borrowing power is one of the most important tools you have as a property investor. Whether you’re looking to refinance, expand your portfolio or unlock equity, knowing where you stand, and how to improve it, can make all the difference.
Click here to read the full blog.Why Property Investors Are Turning Their Eyes to the Gold Coast (And Why You Should Too)
The Gold Coast’s population is booming, but housing supply isn’t keeping up — creating a major opportunity for property investors. With only a fraction of the required dwellings being approved, rental yields and property values are rising fast.
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Why Elimbah Might Be the Smartest Move You Make
If you’re looking for somewhere with room to move, a proper sense of peace, and still close enough to commute — Elimbah might just tick every box. It’s one of those underrated spots that locals love and more people are quietly discovering.
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Building Tips: Don’t Overlook These Common Exclusions
Building a new home? Avoid unexpected costs by knowing common building exclusions like driveways, landscaping, and insect screens. Bribie Island Lending helps you secure the right construction loan and plan for these extras.
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Ready To Build? Key Documents for Lender Approval
Thinking about building your dream home? Lenders need specific documents like building contracts, plans, and detailed finishes before approving your construction loan. Bribie Island Lending helps clients in Caboolture, North Lakes, Toowoomba, Caloundra, and surrounding areas prepare for a smooth building process.
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Building Variations: What You Need to Know
Building variations such as flooring choices, extra power points, and kitchen finishes can increase the cost of your home construction. Bribie Island Lending helps ensure your loan covers these potential changes, allowing you to plan for variations in advance. Whether you're building in Ipswich, Logan, Redcliffe, or Caloundra, make sure you understand your full costs before committing.
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Key Steps to Finalising Your Construction Loan
Before your lender releases the final payment for your home or renovation, three steps are required. Bribie Island Lending works with your lender to ensure everything runs smoothly. Learn more about how we support you through each step of your homeownership journey.
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Considering investing in property in Toorbul?
Nestled along Pumicestone Passage, Toorbul offers a serene waterfront lifestyle, perfect for a home or holiday escape. If you're thinking of buying a holiday house here, leveraging your home equity might be the way to go.
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Why should you buy a house in Pelican Waters?
Pelican Waters beckons with its idyllic canal front living, providing direct access to the serene waters of Pumicestone Passage. This coastal haven offers a laid-back resort lifestyle, all while being just minutes away from the amenities of Caloundra.
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Are you think of buying in Caboolture?
Thinking about buying a house in Caboolture? With its affordable homes, multiple shopping options, rail access to Brisbane, parklands a quick trip to the beaches of Bribie and the Sunshine Coast, Caboolture is on the rise with home buyers.
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Understanding Equity and Its Financial Potential
Discover the power of equity in building wealth and achieving financial goals. Learn how lenders calculate equity and how you can leverage it to purchase investment properties, undertake renovations, invest in shares, or assist family members in buying homes.
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Upsizing by Adding On
Consider upsizing your home through renovation rather than adding on, but be prepared for potential challenges and expenses; assess your property's current value, outstanding mortgage, budget, and the nature of the renovations, consulting with a mortgage broker to explore suitable loan options and approval processes before initiating the project.
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Bridging Finance - is it worth it?
Bridging finance is used when buying a new home before selling the existing one, with a lender placing a mortgage on both properties. While it allows securing the desired home, risks include higher interest rates, potential cash flow strain, and the need to refinance if the current lender doesn't offer bridging loans.
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Investing in potential property in North Lakes QLD
North Lakes, QLD, stands as a suburb with a perfect blend of tranquility and investment potential. Whether you're considering a home or strategic investment, North Lakes' family-friendly atmosphere, solid rental yields, and strategic location make it a suburb worth exploring.
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Investing in property in Burpengary, Queensland
Nestled in the heart of Queensland, Burpengary exudes a unique blend of suburban charm and modern convenience. If you're considering making Burpengary your new home or an investment haven, Bribie Island Lending is your trusted partner in making the dream of property ownership a reality.
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Buying a house in Morayfield? Bribie Island Lending is at Your Side
Turning your Morayfield property dream into reality requires more than just aspiration—it takes practical steps and informed decisions. That's where Bribie Island Lending steps in. Our team understands that each individual's financial situation is unique, and we're dedicated to providing personalised guidance that aligns with your goals.
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Four Reasons to Buy & Sell in Winter
Discover the unique advantages of buying and selling real estate during the winter months in Australia. Reduced competition, increased seller commitment, and the evolving nature of the real estate market that make this season a perfect opportunity for both buyers and sellers.
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Choosing the Right Home Loan: Expert Tips from Bribie Island Lending
Are you searching for the ideal home loan to turn your homeownership dreams into a reality on Bribie Island? Look no further than Bribie Island Lending, your local mortgage experts dedicated to helping you find the perfect financing solution.
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RBA to Update Cash Rate Process - 8 Meeting instead of 11
RBA has agreed to implement the 10 recommendations and provides a summary of each decision. These include changes to the frequency and format of board meetings, the release of statements and reports, and the oversight of research and climate change analysis. The Treasury is expected to make a decision on the reappointment of RBA Governor Philip Lowe, whose term ends in September.
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The Importance of a Building Inspection: Protect Your Investment
By uncovering hidden defects, ensuring safety and compliance, aiding in budgeting and financial planning, and providing negotiation power, a building inspection empowers you to make an informed decision about your property purchase.
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Best places to dine in Bribie Island
As a mortgage broker, Bribie Island Lending is committed to assisting individuals in securing their first home loans while providing valuable recommendations for enjoying the best that Bribie Island has to offer. Contact us today to learn more about our services and start your journey towards homeownership in this coastal paradise.
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Top Reasons to Use a Mortgage Broker for Your Home Financing Needs
Buying a home is a significant financial decision, and finding the right financing is crucial. With the complexities of the mortgage market, enlisting the help of a mortgage broker like Bribie Island Lending can be a game-changer
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It’s time we talked about your credit card…..
For every $1,000 limit your credit card has, the banks will generally assume you need to make a repayment of $38 each month. A $1,000 credit card reduces your borrowing power by between $6,500 and $7,000. So, a $10,000 credit card drops your borrowing power by between $65-70,000!
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HOME LOANS: TOP 10 TIPS FOR BUYING YOUR FIRST HOME
1. DEPOSIT: As a rule of thumb, you will want at least a 5% deposit, plus a little more for costs.This deposit will need to have been saved up or held for more than 3 months to be considered genuine.With less than 20% deposit, mortgage insurance will apply and this is another cost to consider.
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How to Compete in a Sellers Market
The property market is hot at the moment, and for the majority of cities around the country, we are in a seller’s market. After a period where house prices were stagnating and transactions were declining, the power has moved from buyers to sellers.
Click here to read the full blog.Ready to Find a Better Loan?
Whether you're just starting to explore your options or ready to move Mark and the team are here to help. Get in touch for a no-obligation chat and find out what's possible for your situation.
